Fixed Rate Mortgage
Contact a Mortgage Representative for Current Rates
Find an NJFCU mortgage to match your home.
First-Time Home Buyers loan & program available
*30/20/15/10 Year Fixed Rate
Finance rates and APR’s are subject to change daily and are subject to change without notice. Program is for properties located in the state of New Jersey only, for single-family, 1-4 units, owner-occupied homes with a minimum loan amount of $100,000 and a maximum equal to conforming loan limits. There is no prepayment penalty fee. North Jersey FCU mortgage must be in first lien position. Other restrictions may apply. For questions, please contact our Lending Department at (973)785-9200.
NJFCU is an equal housing lender. Fees Apply.
Restrictions may apply. Rate determined by credit score. Other rates may apply.
What is a Fixed Mortgage?
A fixed-rate mortgage, or fixed mortgage, has an interest rate and monthly payments (loan principal and interest) that remain the same for the life of the loan.
Fixed-rate mortgages tend to have higher interest rates than adjustable-rate mortgages. It generally makes the most sense to choose a fixed-rate mortgage if you are buying a home that you plan to keep for many years. Our residential loan officers can help you decide which mortgage is right for your unique personal situation.
Am I ready for a Fixed Mortgage?
- Get the current rate while you still can; interest rates could increase in the next few years
- Ready to settle into a home for several years
- You want more term-options to pay off your mortgage
Additional Mortgage Products:
Refinance Mortgage
We may be able to provide you with a lower monthly payment and put the family budget back on track.
Adjustable Rate Mortgage
With An NJFCU Adjustable Rate Mortgage (ARM) you will discover cost saving features like competitive rates with a confident credit union.